Court on 1st July - Need some urgent help re set aside wording

[Lapchien66]

I have a set aside hearing on 1st July, I found out recently that I have a ccj for £20K from Lloyds, the ccj was registered at an address I left in 2004. The ccj was entered by detault in 2007.

 

I only found out about it recently when I applied for a car loan. Checkmy file were not aware of it either, until they tweaked my old address!

 

I have letters from Lloyds at my old address, and, crucially, my new address (card statements, bank statements, notice of tax paid, PIN notification etc). I also have other documents showing my new address since 2004.

 

I am requesting that the court set aside the ccj as:

 

I was unaware of it, until I applied for a car loan in April 2009

I have no idea what debt for £20K I could possibly have - my last staement from Lloyds shows an overdraft limit of £1800 and the balance of £36 o/d, my credit card had a limit of only £1000. It could be identity theft - I just don't know. The default was put through at the Northampton bulk centre so I have minimal information about it.

 

I wrote to Lloyds, asking for a CCA, and they wrote back saying they do not hold an account for me, and returned my PO!

 

I have a schedule of key dates (left old address, informed bank etc), and also a document schedule (bank statement, card statement, letter from employer, information from electral role for periods in question etc).

 

I have my papers in order, and have a bullet pointed list of key issues.

 

But guys, I'm struggling with the wording and procedure. Do I have to say, "Sir, it is my application today that I request you to set aside this ccj because..."? Is there a certain way I have to put this?

 

Any advice would be, as ever, very gratefully received - court on 1st July!

 

Thanks

 

Lapchien

[creditcardmug]

You have left it very late to seek advice, however, i suggest you start a new thread in the legal forum asap, where you will have a better chance of help quickly IMO